Ok, well, I take it you are an employee at your full time job? In other words, you receive a W2.
As you know, we don't incur a lot of overhead/expenses in connection with JustAnswer.com, however, you can't measure the value of a professional simply by the amount of money they may save you.
For example I can figure out a lot of computer questions, but it would take me a lot of time & effort, so I choose to ask questions of a professional.
The same thing would apply to you; there are several ways to figure your estimated taxes and although you may be able to defer your tax payments
until you file your returns, without penalties or interest, you may prefer to pay quarterly as you go, because that fits your budget more closely & is an easier way for you to manage your money.
So, my recommendation is that you hook yourself up with a local
CPA & let him advise you on many things across the board; don't expert miracles in terms of tax savings
; he's also going to save you a lot of time & effort and keep you in compliance
with the regulations, while keeping your tax bill as low as possible without putting you at undue risk.